[legion]

All the time.

I saved money to put a new roof on my house last year. I saved money to put in a patio the year before that. I buy all "big-ticket" items with cash or check, or put them on the credit card with money in the bank to pay it off when I want the protection that offers. Any "want" that costs more than $200 is paid for with savings.

Anymore, the only things I put on the credit card are small items or emergencies (like unexpected car repairs). I pay my credit card off every month.